| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & | ASSOCIATES LIONVILLE PROFESSIONAL CENTER EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $74K | $11K | $84K | 2.71% |
| FLEXIBLE BENEFIT PLANS, INC.3 | 1288 VALLEY FORGE RD BLDG 57 VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $58K | $9K | $67K | 2.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & | ASSOCIATES LIONVILLE PROFESSIONAL CENTER EXTON, PA 19341 | INDEPENDENCE BLUE CROSS | $13K | $3K | $16K | 2.73% |
| FLEXIBLE BENEFIT PLANS, INC.3 | 1288 VALLEY FORGE RD BLDG 57 VALLEY FORGE, PA 19482 | INDEPENDENCE BLUE CROSS | $11K | $3K | $14K | 2.43% |
| INTEGRATED BENEFIT SERVICES INC3 | D/B/A PENTRA INC 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $20 | $27K | 9.57% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 10.32% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 10.41% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 10.34% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $988 | $0 | $988 | 5.80% |
| PENTRA LLC3 Filed as: PENTRA, INC. | 795 E. LANCASTER AVE #210 VILLANOVA, PA 19085 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $372 | $0 | $372 | 2.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| P&A ADMINISTRATIVE SERVICES, INC. NONE | Contract Administrator; Claims processing Service code 12 | 17 COURT STREET SUITE 500 BUFFALO, NY 142023294 | $4K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 685 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $286K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 456 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 308 | $76K |
| Short-term disability | STANDARD INSURANCE COMPANY | 308 | $92K |
| Long-term disability | STANDARD INSURANCE COMPANY | 308 | $73K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 499 | $585K |
| Other | STANDARD INSURANCE COMPANY | 308 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.